Many business credit cards offer helpful benefits for startups.
Running a startup is never easy. You’re juggling multiple priorities at any given moment — including, of course, your company’s finances.
A business credit card can be your best friend for covering last minutes expenses. There are lots of choices catering to startups, so compare the annual fees, benefits and rewards to find the best card for your startup.
Best business credit cards for startups
There are many business cards on the market, but it’s likely only a few offer benefits that meet your specific needs. Here are a few of our top picks.
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Best for intro APR: Blue Business℠ Plus Credit Card
If you need to take on interest-free debt for a longer than a month, you’ll want a card with a strong intro APR. The Blue Business℠ Plus Credit Card from American Express is one of your top options, offering one of the longest zero-interest promotions you’ll find among business cards.
Best for average credit: Spark® Classic for Business
When you’re bootstrapping your startup, you might not have the best credit, from running up high balances or taking out loans. When other cards might be out of reach, the Spark® Classic for Business may be a viable option.
Best for limiting debt: Business Gold Rewards Card from American Express
If you’re worried about running up high balances on your card, you can keep yourself in check with the Business Gold Rewards Card from American Express. That’s because it’s a charge card, meaning you must pay off your balance each month. Luckily, it’s also a strong rewards card, which can balance the annual fee you’ll pay after the first year.
Best for travel: Ink Business Preferred℠ credit card
This is one of your best choices if you travel often. You’ll earn accelerated points on travel and other business categories. And when you redeem points through Chase Ultimate Rewards, they’re worth 25% more.
Best for flat cash back: Capital One® Spark® Cash for Business
If your expenses spread through many categories, like office supplies, travel and shipping costs, a flat-rate rewards card like the Capital One® Spark® Cash for Business might help. It offers unlimited 2% cash back on all purchases.
How to compare business credit cards for startups
- Annual fee. When cash is tight, you might not want the expense of an annual fee. There are solid no-annual-fee business cards, though you’ll earn more powerful rewards with cards you have to pay for.
- Signup bonus. If you anticipate heavy purchases in the next few months, you could breeze past the spending requirement for a card’s signup bonus. Business credit cards often have more impressive bonuses than personal cards.
- Intro APR. This could be the answer if you’ll rack up debt soon but need several months to pay it off. Intro APRs for business cards tend to top off at around 15 months.
- Rewards. A card with strong rewards can pay for itself. If your card has tiered rewards, check that your startup has significant expenses in the right categories. If your expenses are spread evenly throughout many categories, you might get more out of a flat-rewards card.
Compare business rewards credit cards
Your startup faces unique challenges, which some cards can address more effectively than others. Compare options that give your rewards, balance transfers and an annual fee you can afford.
If you’d like to compare more products, visit our guide on business credit cards.